Borrowing more money at a high-interest rate will compound an existing debt problem. Additionally, many of those in debt find it difficult to qualify for loans and may need to secure the loan with an asset that can be easily seized by the bank. For other options, try our free consultation to see if Debt Reduction is right for you.

If you have one card with a low balance that you can quickly pay down to zero, then you should hold onto it for emergencies. However, the program will generally not work unless you enroll all of your high balance (greater than $500) high-interest rate credit cards. Otherwise, it makes it challenging for us to negotiate with your creditors if they can see that you are negotiating on their accounts but not others. Not to mention, your monthly payment may become unmanageable juggling those payments.

Yes, you can. Many people attempt DIY debt settlement. You can also do your taxes, repair your car, pull out your teeth. However, most people choose to get help for the best results. Why not leave these tasks to experienced people who earn their livelihood as experts in those lines of work?  Our team of debt negotiation specialists have only one job – negotiating reductions on your unsecured debts, five days of the week. Our knowledge and experience put us in the best position to stand up to your creditors and fight for the best settlement possible. We also know the letter of the law, and that is critical in finalizing your settlements.  Together, Nationwide Debt Reduction Services team of negotiation specialists are resolving millions of dollars of debt each month (and growing!).

We offer a free consultation with our Senior Debt Consultants that includes a financial analysis to determine if you would benefit from the program. Our primary goal is to ensure that our program is a realistic solution to your particular situation. The last thing we want is to provide temporary relief – our goal is to eliminate your debt as cheaply and quickly as possible.

Our Program is designed to mediate debt. We effectively negotiate an interest-free settlement on credit card debt (usually no more than $0.60 on the dollar, which includes our fees) and set up a payment schedule that eliminates the entire debt in 20 – 36 months. There is no penalty for accelerating your program by adding funds faster than you expect to do at the outset. We also have a unique, innovative program that enables our clients to accelerate the process further.

Yes.  There are federal and state laws to protect you from creditor harassment. However, the fact is that most of our clients experience some of these calls. Nationwide Debt Reduction Services’ goal is to have your creditors contact us, not you.   We will work with you minimize those calls. Also, we will provide tools to help you reduce those calls and ensure violators are appropriately handled.